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02 iintroduction to retail banking 2011
- 6. It is OUR ATTITUDE towards Life and Work that makes OUR Life 100% ! ! ! Attitude Feeling or opinion about something or someone or a way of behaving that follows from this feeling or opinion
- 17. Independent investment banks Merill Lynch Morgan Stanley
- 20. Internet Banking
- 22. Universal Banking provides entire range of financial services
- 29. Retail Banking is typically a mass market banking where individual customers use local branches of larger commercial banks. It is segment of commercial banking. Liabilities Wealth Management Assets Fee Based Personal Loans Credit Cards Mortgage loans Auto loans Checking Accounts Savings Accounts Time Deposit
- 35. Minimum Balance (Average Quarterly Balance) Option 1 Rs. 10000(Urban/Semi-urban) Option 2 NIL with a Fixed deposit of Rs. 50,000 Charges on non maintenance thereof Option 1 AQB in the SB a/c between 5,000/- and 10,000/-: Rs. 750/- per quarter, AQB in the SB a/c is less than 5,000/- :Rs. 1,000/- Option 2 In case of non maintenance of Rs. 50,000 Fixed Deposit the charges mentioned in Option 1 would be applicable
- 41. 1 year 16 days 8.50% 9.00% 1 year 17 days - 2 years 8.25% 8.75% 2 years 1 day - 2 years 15 days 8.50% 9.00% 2 years 16 days 9.25% 9.75% 2 years 17 days - 3 years 8.50% 9.00% 3 years 1 day - 5 years 8.25% 8.75% 5 years 1 day - 8 years 8.25% 8.75% 8 Year 1 Day - 10 Years 8.25% 8.75%
- 45. Growth rate of retail Assets of the banking system Sr. No. Type of Retail Asset 2004 2005 2006 2008 2009 2010 2009-10 1 Housing Loans 89449 134276 (50.5) 179165 (33.4) 252932 (12.7) 263235 (4.1) 315862 20.0 2 Consumer Durables Loans 6256 3810 (-39.10) 4469 (17.3) 4802 (-37.2) 5431 (13.1) 3032 -44.2 3 Credit Card Receivables 6167 8405 (36.3) 12434 (47.9) 27437 (49.8) 29941 (9.1) 21565 -28.0 4 Auto Loans - 35043 61369 (75.1) 87998 (6.6) 83915 (-4.6) 78346 -6.6 5 Other Personal Loans 87170 85077 (37.8) 118355 (39.1) 197607 (27.5) 211294 (6.9) 203947 -3.5 6 Total Retail Loans 198042 266611 (41.2) 375739 (40.9) 570776 (17.1) 593815 (4.0) 622752 4.9
- 55. Commercial vs. consumer loans Commercial loans Consumer loans Small volume, large loans Large volume, small loans One-by-one approval Volume approval Hierarchy of approvals –senior managers approve large, complex loans Hierarchy of approvals –senior managers approve credit product programs Close account management and review on a loan-by-loan basis Portfolio management by aggregate performance statistics Financial data available Limited data available
- 59. Economic growth drivers Favourable demographics Manufacturing Infrastructure Knowledge capital International expansion Rising disposable income Investment Personal Consumption Housing Transportation Personal credit Investment and consumption cycles mutually re-enforcing
- 65. . . . which means a bigger opportunity 0-14 15-35 35-59 >60 2003 2009 E Total Population in million 1,044 1,221 130 mn plus people get added to working population
- 66. Benchmarking The under-penetration is reflected even within the sub-segments Consumer loans outstanding (USD in billion) Consumer loans outstanding / GDP (%) Source: Salomon Smith Barney
- 73. Andhra Bank
- 77. ICICI Bank’s strategy to capture retail potential Achieving leadership in retail financial services … the core of this strategy is our relentless focus on the customer and cross-selling of products Strong corporate relationships Brand Technology Operational excellence
- 78. Catalyzing cross-sell Internet Banking Call Centers 500 Outlets 1005 ATMs Customized cross-selling by leveraging relationships, brand and technology Bonds Life insurance Health insurance Fixed deposits Consumer loans Auto & home loans Credit & debit cards Power Pay
- 79. Operational excellence These measures have ensured that we have followed a cautious approach while maintaining high growth rates and profitability in all segments Prudent credit policies Adequate fraud control Rigorous collection mechanism Bolstered by a company wide 6 sigma initiative
- 80. Benchmarking (contd.) Consumer loans / Total loans Mortgages / GDP USA - 51% USA - 235% Other retail loans / GDP Credit cards / Population USA - 24% India’s retail market is at a nascent stage and is expected to grow rapidly on account of the current trend in upward migration of household income levels Source: Salomon Smith Barney India Thailand Malaysia Taiwan Korea India Thailand Malaysia Taiwan Korea India Thailand Korea Malaysia Taiwan India Thailand Taiwan Malaysia Korea
- 81. Household segment migration 2.1 6.8 Source: 1996, 1999 data is from NCAER study for top 24 cities, 2002 data is estimated by ICICI Bank ~ CAGR 48% 22.9 No. of households (million)
- 82. Distribution Strategy Building Distribution
Notas del editor
- PSBs are the largest category & comprise: SBI & Associates 19 nationalised banks 173 RRBs Private Sector banks: In addition to 24 pvt sector banks existing before 1993 9 ‘new’ pvt sector banks are operational Foreign Banks At end Dec 2005 there are 36 foreign bank swith 233 branches
- More than 1/3rd of the Indian population is below 14 years of age, compared to less than 1/4th for China. Less that 10% of the population is above 40 years, versus over 15% for China. This has implications on g
- Rural GDP would include: * The production of facilities/factories of corporates located at rural areas The above would be tapped by ICICI Bank through CBG and SMEG through their relationships. An estimation of the market size can be obtained by ascertaining the size of the organized manufacturing sector within the rural economy. The estimated size of the Rural Non-Agri market which would be catered through CBG and SMEG would be Rs. 3.00 Tn (66% of the manufacturing GDP of Rs. 4.55 Tn). Therefore the RMAG part of the Rural Non-Agri GDP would be approximately Rs. 5.4 Tn .